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Eighty percent of children, eight zero, get to college having never had a conversation with their parents about money.
80%的孩子，80%，在上大学时从未和父母谈过钱的问题。
Where it comes from, how it's earned, how it's spent, what debt is.
钱从哪里来，怎么赚，怎么花，债务是什么。
You can't just give your kids, launch them into their lives without giving them the tools.
对孩子你不能只是给予，让他们去面对生活却不给他们工具。
So I went to what I thought would be the smartest people to talk to about this – Warren Buffett's bankers.
所以我去找沃伦·巴菲特的银行家们谈谈这个事情，我认为他们是最聪明的人。
They advise the wealthiest families in the country and I thought they must know more.
他们为这个国家最富有的家庭做顾问，我想他们一定懂得更多。
They can help my family.
他们可以帮助我的家人。
It turns out that these wealthy families are making even more mistakes and I walked away from this conversation with a number of takeaways.
事实证明，这些富有的家庭正在犯更多的错误，我在结束这次谈话后得出了一些结论。
Takeaway number one – show them the money.
第一，告诉他们关于钱的信息。
It's incredibly important to talk to children about money at an age appropriate level, but you need to talk.
在适当的年龄阶段和孩子们谈论金钱是非常重要的，但是你一定要谈。
Buffett's banker said to me, "I spoke to the richest woman in America and she said it's a burden if I tell my children how much money they have."
巴菲特的银行家曾对我说:“我和美国最富有的女人谈论过，她说如果我告诉我的孩子们他们有多少钱，那将会是一种负担。”
And he said, "It's much more of a burden to burden them with ignorance than to burden them with the truth."
他说，“与真相相比，无知对他们而言是更大的负担。”
Number two, actually try to limit the influence of money.
第二，尽量限制金钱的影响。
After doing all this research in our home, we have chores, we have allowance. We do not overlap the two.
在我们做了所有这些研究之后，有家务，有零用钱。这两者没有重叠。
Because if you do it turns out the kids will do the chores just for the money.
因为如果你这么做了，孩子们就会为了钱去做家务。
You get an allowance as part of being a member of our family, but sorry, someone's got to put the dishes in the dishwasher, someone's got to make their bed.
作为家庭中的一员，你会得到零用钱，但抱歉，总得有人把盘子放进洗碗机，得有人去铺床。
You're part of the team, you have to take care of yourself.
你是团队中的一员，你必须照顾好自己。
And the last thing is let them make mistakes.
最后一件事就是让他们犯错。
Buffett's banker chided me when I told him we were kind of forcing our kids to put their money into different pots – spend, save, give away, et cetera.
当我告诉巴菲特的银行家，我们近乎逼迫自己的孩子把他们的钱放在不同的储钱罐里——开销、存款、赠送等等——时，他斥责了我。
He said, "Let them decide for themselves."
他说:“让他们自己决定吧。”
And I said, ""But what if they make a mistake?
我说，“但是如果他们犯了错误呢?
What if they want to buy something and they've spent all their money on candy?
如果他们想买东西，却把所有的钱都花在了糖果上怎么办?
What if they drive into a ditch?"
如果他们把车开进沟里怎么办?”
And his answer was one of my favorite quotes in "The Secrets of Happy Families."
他的回答是《幸福家庭的秘密》中我最喜欢的一句话。
He said, "It's much better to make a mistake with a six dollar allowance than a $60,000 a year salary or a $6 million inheritance."
他说:“拿6美元的零用钱犯错误，总比拿6万美元的年薪或600万美元的遗产要好得多。”
The point is when the kids are young, when the stakes are lower, let them make their own mistakes.
关键是，当孩子还小的时候，当风险较低的时候，允许他们犯错误。
Then you're there to pick them up.
然后你再去帮他们。
You don't want to get that call when they're 24 and suddenly they're in debt and they've made bad decisions and they're really in a hole.
你不会想在他们24岁的时候接到这种电话，突然间他们就负债了，他们做了错误的决定，他们真的陷入了困境。
There's several ways to expand markets.
有几种方法可以扩大市场。
One is you export and another is to educate your citizens to want more than they need.
一个是出口，另一个是让你的公民想要的比他们需要的更多。
And then you've got an infinite way to, you've got an infinite market called the endless willingness of people to buy into the story of more is better and keep buying stuff.
然后就会有一个无限大的市场，人们有无限的购买欲，认为买的越多越好，并且不断购买东西。
So that is the old roadmap. Growth is good, more is better, game over.
这是旧的路线图。增长是好事，越多越好，仅此而已。
The new roadmap says that there is something called enough and enough is not sort of like this oppressive ceiling that okay, I've got enough and I can't have anymore.
新的路线图表示，有一种叫做足够的东西，足够并不是指那种压迫性的天花板——好吧，已经够了，我再也不能买了。
No, enough is this sort of vibrant vital place.
不是的，足够是指一个充满活力的重要位置。
What we teach is an awareness about the flow of money and stuff in your life in light of your true happiness and your sense of purpose and values.
我们所教的是一种根据你真正的快乐和你的目标感和价值观，来认识你生活中金钱和物质的流动。
And that you're enough point, having enough, is having everything you want and need to have a life you love and full self-expression with nothing in excess.
那种足够的观点，够了，是指拥有你想要、需要的一切，去过上你所热爱的生活、有充分的自我表达，没有多余的东西。
It's not minimalism, it's not less is more because sometimes more is more.
这不是极简主义，也不是少即是多，因为有时候多就是多。
But it's that sweet spot. It's the Goldilocks point.
但这是最佳点。这是金发女孩点（刚刚好就是最适合的）。
And so enough for me is like one of the absolute fulcrums between the old roadmap for money and the new roadmap for money.
所以对我来说，足够就像是关于金钱的旧的路线图和新的路线图之间的一个支点。
